Mortgage Lenders in Hayward, CA

“I came to Patrick with the goal of purchasing my first home. We started the process by making sure I had what I needed to stand out as a strong buyer. We reviewed strategies to optimize my credit score and looked over first-time home buyer loan options. When I finally found the perfect home, Patrick coached me to submit an offer that was achievable for my financial situation but also competitive in light of the current market. I had many questions and needed much guidance along the way. Patrick was patient and explained every step of the process in understandable terms which allowed me to feel confident throughout the entire experience. Patrick and his associates at Heritage Fund Realty also offer the full scope of real estate services which simplifies the process for any seller or buyer. I definitely plan to reach out to Patrick and his team for any future investments.”

“This review is specifically for the loan officer, Thomas Chen, based out of this branch. When I first moved to Hayward in 2018, I used a broker to fund my loan and refinanced with another bank after. But when I looked into Fremont Bank'a options, I met Thomas. He called me back almost immediately and I was able to refinance for the 3rd time in Hayward with an awesome no fee or closing cost loan. Fast forward to today when rates are at their highest, I decided to give Thomas a call again to see the purchase options. Boy did I luck out! He was able to preapprove me in literally 1 single day and get me on my way to bid on homes. Then I found one and the rest became turbo speed! Because I wanted to close on the loan before my son started the new school year, Thomas put that as top priority and stayed on top of all correspondence. There were some hiccups with the insurance part (partly due to AAA), but overall, a standard 30-day close turned into a 14 day close. Amazing!! I literally got my offer accepted on 7/21 and closed on 8/7! It would've even closed sooner but again AAA flood insurance can be a pain, but Thomas was still the one that made it all happen so quickly for me. Due to the current market in general, getting a loan wasn't as easy as when it was typically 2.8%, but looking at how fast he kept it moving, I am so grateful to have him as my loan officer! If you want a professional, speedy, no BS mortgage consultant who is looking out for your best interest, I would definitely recommend Thomas Chen as I already have worked with him twice for 2 very different loans and both times he did what he said he would and there were no surprises. Half I feel is due to Thomas disclosing all that is needed upfront and the other half is the Fremont bank team supporting these loans. From normally a stressful experience, Thomas made things as smooth as possible and still so responsive to this day. I am super happy and would definitely come back directly to Thomas for my mortgage needs in the future.”

“This review is specifically for the loan officer, Thomas Chen, based out of this branch. When I first moved to Hayward in 2018, I used a broker to fund my loan and refinanced with another bank after. But when I looked into Fremont Bank'a options, I met Thomas. He called me back almost immediately and I was able to refinance for the 3rd time in Hayward with an awesome no fee or closing cost loan. Fast forward to today when rates are at their highest, I decided to give Thomas a call again to see the purchase options. Boy did I luck out! He was able to preapprove me in literally 1 single day and get me on my way to bid on homes. Then I found one and the rest became turbo speed! Because I wanted to close on the loan before my son started the new school year, Thomas put that as top priority and stayed on top of all correspondence. There were some hiccups with the insurance part (partly due to AAA), but overall, a standard 30-day close turned into a 14 day close. Amazing!! I literally got my offer accepted on 7/21 and closed on 8/7! It would've even closed sooner but again AAA flood insurance can be a pain, but Thomas was still the one that made it all happen so quickly for me. Due to the current market in general, getting a loan wasn't as easy as when it was typically 2.8%, but looking at how fast he kept it moving, I am so grateful to have him as my loan officer! If you want a professional, speedy, no BS mortgage consultant who is looking out for your best interest, I would definitely recommend Thomas Chen as I already have worked with him twice for 2 very different loans and both times he did what he said he would and there were no surprises. Half I feel is due to Thomas disclosing all that is needed upfront and the other half is the Fremont bank team supporting these loans. From normally a stressful experience, Thomas made things as smooth as possible and still so responsive to this day. I am super happy and would definitely come back directly to Thomas for my mortgage needs in the future.”